BlastPoint's Credit Union Scorecard
CREDIT UNION ONE
Charter #62562 · MI
CREDIT UNION ONE has 4 strengths but faces 2 concerns
How does the industry compare?
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How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 89.3% in tier
- + ROA 0.41% above tier average
- + Net Interest Margin 1.03% above tier average
- + Share Certificate Concentration (%): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 71.4% in tier
- - Stagnation Risk: Bottom 89.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
108,498
-1.5% YoY+0.1% QoQ
|
+11.1K |
97,431
-2.4% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
67% |
| Assets |
$1.8B
+2.5% YoY+1.7% QoQ
|
+$36.6M |
$1.7B
+0.9% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
61% |
| Loans |
$1.3B
+8.2% YoY+2.1% QoQ
|
+$33.2M |
$1.2B
+0.5% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
63% |
| Deposits |
$1.6B
+0.9% YoY+1.5% QoQ
|
+$98.0M |
$1.5B
+0.9% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
63% |
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| ROA |
1.1%
+23.8% YoY+6.5% QoQ
|
+0.4% |
0.7%
+20.9% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
84% |
| NIM |
4.3%
+8.6% YoY+1.6% QoQ
|
+1.0% |
3.3%
+9.2% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Top 5.6% in tier |
| Efficiency Ratio |
73.0%
-3.1% YoY-0.6% QoQ
|
-1.1% |
74.1%
-9.5% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
42% |
| Delinquency Rate |
0.5%
-6.6% YoY+1.2% QoQ
|
-0.4 |
0.9%
+6.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
81.4%
+7.2% YoY+0.6% QoQ
|
-3.4% |
84.8%
-0.8% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$26,037
+5.5% YoY+1.7% QoQ
|
$-3K |
$29,428
+2.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
39% |
| CD Concentration |
16.5%
-9.2% YoY-2.1% QoQ
|
-12.6% | 29.0% | 18.6% | 19.8% | Bottom 8.0% in tier |
| Indirect Auto % |
10.9%
-27.5% YoY-8.7% QoQ
|
-7.4% | 18.3% | 11.8% | 7.8% | 39% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)